J. R. Pierce Plumbing Co., Inc. of Sacramento 401(k) Review & Grade
J. R. Pierce Plumbing Company Profit Sharing Plan
Rocklin, CAConstruction527 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$122Employer $ per active participant
$2,522Employee $ saved per active participant
0.74%Direct admin cost, % of plan assets
$13.3MNet plan assets, end of year
$16,024Average balance per account
Score breakdown
- Employer generosity2.7 / 505th percentile for employer $ per participant
- Low cost2.9 / 2511th percentile for low admin cost vs. same-size plans
- Employee saving4.5 / 1530th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
- Red-flag deductions-3 pts1 issue reported on the filing
Total score17 / 100 · Grade F
This plan vs. peers
Peers: Construction plans with 500–2,499 active participants (498 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 5th |
| Lower admin cost | 11th |
| Employee saving | 30th |
| Peers that auto-enroll | 44% |
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Red flags from the filing
Corrective distributions: the plan refunded $5,828 in contributions, which usually means it failed annual nondiscrimination testing.
What to do if you're in this plan
- J. R. Pierce Plumbing Co., Inc. of Sacramento put in about $122 per active participant, below the typical peer ($1,672). Any match is still an instant return, so contribute enough to get all of it.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Direct plan expenses (0.74% of assets) are well above similar-size plans (0.23%). Check your annual fee disclosure, choose low-cost index funds if you can, and think about whether savings beyond the match belong in an IRA.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $64,166 |
| Participant (employee) contributions | $1,329,081 |
| Other contributions (incl. rollovers in) | – |
| Administrative expenses paid from the plan | $91,665 |
| Contract administrator fees | $62,154 |
| Investment advisory & management fees | $16,011 |
| Benefits paid out | $783,659 |
| Net assets, start / end of year | $11.4M / $13.3M |
| Active participants, start / end of year | 494 / 560 |
| Participants with account balances | 827 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Bfba, LLP |
Largest service providers (Schedule C)
| Stancorp Financial Group | $62,163 reported compensation |
| Cambridge Investment Research, Inc. | $16,011 reported compensation |
| Bfba | $13,500 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251013093955NAL0002255154001, received 2025-10-13, EIN 94-1571374, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.